“Who Left Them in Charge?” — The Truth About HOA Leadership and the 20/80 Rule

The Board and a few activated neighbors are all too often left to make the decisions.

Here at Onyx Capital Management, we see it all too often. A group of board members with a small group of neighbors who attend every meeting facing off with neighbors who either want to be left alone, misunderstood what they were buying into and now feel resentment, or quietly stand in support of the board’s decisions but fears the label that goes along with being compliant.

The purpose of this blog is to help our clients, both board members and association members, understand the process and how to improve on remaining democratic even through the most turbulent times. 

The Big Question: Who Left Your HOA Leaders in Charge?

It’s one of the most common questions HOA boards face—from long-time residents and new homeowners alike. “Who left them in charge?” The answer is simple: we all did. Whether we were at the meeting that elected them or not, whether we read the rules or just moved in and hoped for the best, the structure of our community depends on participation—and that’s where the 20/80 rule comes in.

In most HOAs, 20% of residents take on 80% of the work. That means a small number of people are not only enforcing the rules—they’re also making decisions, managing improvements, and fielding complaints. But this doesn’t have to lead to division. When residents are informed and involved, everyone benefits.

Let’s break it down:

1. The Importance of Attending Meetings

HOA meetings aren’t just about budgets and bylaws. They’re where your voice matters most. Whether you want to challenge a policy, propose a change, or just stay in the loop, showing up is the first step. When homeowners don’t attend meetings, decisions get made without their input—leading to that familiar question: Who decided this?

2. Read Your Rules and Regulations Often

Think of your governing documents as the operating manual for your community. They’re not meant to be intimidating—they’re there to protect your investment and ensure everyone enjoys their home. Reading them regularly helps you stay aware of your rights, responsibilities, and any changes that may affect you or your property.

3. Know Your Rights—And the Process to Change Outdated Rules

Rules can be amended. If something feels outdated, unfair, or doesn’t make sense for today’s community, there’s usually a clear process for proposing changes. Don’t assume that “it’s always been that way” means it always has to be. A well-informed homeowner who follows the proper channels can make a real difference.

4. The 20/80 Rule and Its Impact

The 20/80 rule is more than just a cliché—it’s a challenge to all of us. When 20% of the residents handle 80% of the responsibility, you end up with a few voices shaping the entire community. That includes setting covenants, enforcing violations, and influencing how complaints are handled. If you're part of the 80% who aren't actively involved, you’re still impacted by the decisions made—so why not be part of the conversation?

5. A Divided Community in Turmoil

Lack of participation and transparency can create resentment. When neighbors feel like rules are being enforced unevenly or without input, trust breaks down. Division sets in. Complaints escalate. Meetings become battlegrounds. But this kind of turmoil is preventable—and often reversible—through open communication and resident engagement.

6. Peace, Harmony, and Why Each Rule Matters

A transparent, inclusive process leads to a better community for everyone. When rules are clearly explained, fairly enforced, and periodically reviewed, the result is less tension, more understanding, and a stronger sense of shared purpose. Each rule—whether it’s about parking, landscaping, or rentals—exists to protect property values and improve quality of life. When homeowners understand the “why,” they’re more likely to support the “what.”

In Summary

The HOA isn’t “them.” It’s us. The power to influence, amend, and uphold community standards belongs to every homeowner—not just the board. If you’ve ever wondered who left someone in charge, maybe it’s time to take a seat at the table. Even small steps—like reading the rules or attending one meeting—can help shift the balance toward a more informed, involved, and peaceful community.

Have ideas, concerns, or want to join the conversation? Come to the next meeting—your community’s leaders would love to have more voices at the table.